ELECTRONIC TRANSACTION METHOD

摘要

The invention relates to an electronic method for approving a transaction, to a corresponding transaction system, to a transaction application for carrying out the method, to a mobile terminal having such a transaction application, and to a payment system comprising the transaction system in order to execute the transaction. In this manner, an electronic method is made available that is easy to handle and that can be used to approve a transaction within the scope of a business transaction between buyers and sellers, that can be used virtually without limitations in terms of location, that requires a minimum of already available technical infrastructure, and that is nevertheless secure for all parties involved. For this purpose, the mobile terminal has to have a display element, it has to be suitable to establish a wireless data connection with the transaction server, and it has to have application and e-mail capabilities.

主权项

1. An electronic method for approving a transaction within the scope of a business transaction between at least a first person and a second person via a mobile terminal belonging to the second person and having a display element that is connected to a transaction server of a transaction system via a wireless data connection for purposes of exchanging data for approving the transaction, comprising the following steps:
installation of a transaction application on the mobile terminal, preferably the transaction application is transmitted by the transaction system to the mobile terminal, provision of at least first user data of the first person as well as second user data of the second person in the transaction system for purposes of access by the transaction server, transmission of a plurality of transaction encodings to the first person by the transaction system, whereby each transaction encoding encompasses a personal identification of the first person, a first transaction code, preferably a graphic first transaction code, as well as a second transaction code, preferably a graphic second transaction code, whereby each of the transmitted transaction encodings differs unambiguously from the other transmitted transaction encodings, at least in terms of having different first and/or second transaction codes, storage of the transmitted transaction encodings in the transaction system and association with the first user data of the first person, execution of the transaction application on the mobile terminal of the second person so as to connect the mobile terminal to the transaction server and at least to control the approval of the transaction in order to complete the business transaction with the first person, comprising the following steps: a) the first person is selected by the second person via the mobile terminal, preferably on the basis of data that is transmitted by the transaction server to the mobile terminal, b) at least a first part of a first transaction encoding is transmitted by the transaction server to the mobile terminal of the second person, c) the transmitted first part of the first transaction encoding is supplemented with a supplement and with the involvement of the first person, d) the supplement is transmitted to the transaction server, the first part of the first transaction encoding transmitted by the transaction server is linked to the supplement in order to form a supplemented transaction encoding, and then the supplemented transaction encoding to the stored first transaction encoding that is associated with the user data of the first person, and the transaction is approved by the transaction server after it has been ascertained that the supplemented first transaction encoding and the stored first transaction encoding for this transaction are identical, and then an approval confirmation is transmitted to the mobile terminal or the approval is refused if they are found not to be identical, and then the refusal is transmitted to the mobile terminal.